The Brexit referendum thread: potential consequences for GB, EU and the Brits in CH

[Urs Max]

	Quote:	fatmanfilms
	Never a legal requirement in the UK, probably very different from CH. A non working person would need a guarantor if they wanted credit, today social benefits is enough.

So it was about making the credit less risky? A working woman could have guaranteed the loan just as well?

	Quote:	fatmanfilms
	Never a legal requirement in the UK, probably very different from CH. A non working person would need a guarantor if they wanted credit, today social benefits is enough.

Not true. Until 1975's Sex Discrimination Act, banks could lawfully reject a woman's application for a loan without a male guarantor's signature.

	Quote:	Urs Max
	So it was about making the credit less risky? A working woman could have guaranteed the loan just as well?

Don't know if it was actually a "legal" requirement per se but Blueangel is right...

	Quote:
	As late as the 1970s, working women were routinely refused mortgages in their own right, or were granted them only if they could secure the signature of a male guarantor, according to a Mintel report Women and Finance.

From here.

[fatmanfilms]

	Quote:
	Not true. Until 1975's Sex Discrimination Act, banks could lawfully reject a woman's application for a loan without a male guarantor's signature.

'Could', not a legal requirement which was what I was answering.

[fatmanfilms]

	Quote:	Urs Max
	So it was about making the credit less risky? A working woman could have guaranteed the loan just as well?

Sure, plenty of loans today have guarantors, nothing to do with women.

	Quote:	fatmanfilms
	'Could', not a legal requirement which was what I was answering.

Legal or not is irrelevant. It existed, simple as.

	Quote:	fatmanfilms
	Sure, plenty of loans today have guarantors, nothing to do with women.

A man would have had to serve as guarantor even if the wife was the main breadwinner. Guarantors normally qualify with their financial security not with what's in their pants.

[Fish Paste]

	Quote:	Blueangel
	His family are spread over 5 cities and our hometown, so his time was divided between London, Nottingham, Derby, Manchester, Liverpool and our hometown. He also had business in Birmingham whilst he was there. His time was almost entirely spent talking to friends, family and business clients. I'd say that's quite an extensive experience to take his view from.

And would his opinion be the same had he spent the last 35 years living in Turin, Marseilles, Madrid, Athens, Frankfurt, Warsaw etc?
Or if the visits were to Edinburgh, Harrogate, York, Oxford, Cambridge?

I agree with a lot of the rhetoric about the UK and declining standards, benefit culture, crime and grime etc, but blanket statements ‘the UK is horrendous’ is just rubbish.

[John William]

I see the Metropolitan Police are still failing to get a grip on knife crime in London !!

[Blueangel]

You've missed the point completely.
He's spent the last 54yrs living in the UK, US, Middle East and Spain, but has also worked in other countries. We both love the UK and his comment was not a reflection upon the the cities themselves. It was a comment on the climate of discourse at the moment, and Liverpool is the notable exception to this which might surprise some.

He's an affable, approachable guy. The kind who makes friends everywhere he goes. We went on a pub crawl in the UK a year ago, just the two of us, and he got into conversations in every single pub we went into, which is no mean feat on a Monday night. This time around, some people have turned nasty when they realised he lives on the continent and not in the UK. Once, you could see as a blip, but it's happened several times this last month.

[Fish Paste]

	Quote:	Blueangel
	This time around, some people have turned nasty when they realised he liveds on the continent and not in the UK. Once, you could see as a blip, but it's happened several times this last month.

I don’t think I have missed the point.
Your original commenet was “he couldn’t wait to leave the place, it’s horrific”.
Now you’re saying after some random conversation with strangers in pubs, some people were ‘nasty’.

Go to a load of random pubs across any country and do the same thing, and you’ll get the same response, Brexit or not. People are people.
It’s happened to me in Basel before.

Point noted about Liverpudlians, but I knew that anyway as all my relatives are micky mousers.
If you’d have said ‘.....Kirby, and it’s horrific’ I may have been in full agreement.

[fatmanfilms]

	Quote:
	Legal or not is irrelevant. It existed, simple as. A man would have had to serve as guarantor even if the wife was the main breadwinner. Guarantors normally qualify with their financial security not with what's in their pants.

This is similar to renting a flat in CH today, they like both husband & wife to be on the lease, nothing to do with a legal requirement.

[John William]

Sadly there are fewer pubs in the UK now. I've lost count of the number of Brits who have returned from
visiting friends and family in the UK and the first thing they complain about is their local favourite pub has gone !!

Or worse, like the magnficent put next to our old house - become a Weatherspoons

Great comment re Labour and JC by JOB here:


https://www.facebook.com/LBC/videos/385287122218637/

[greenmount]

I've been meaning to ask this question long ago but I forget. I would like to read or listen to levelheaded Brexiteers with impressive credentials. I'm thinking more of a uni professor or this type of people. Could someone here point me into the right direction?

I read The Economist usually but they don't seem to support Brexit. I'm not mentioning this as an anti-Brexit argument, just wanting to show I'm not extremely lazy. Maybe I'm missing something.

	Quote:	fatmanfilms
	This is similar to renting a flat in CH today, they like both husband & wife to be on the lease, nothing to do with a legal requirement.

That’s not even remotely relevant to a UK financing application in the 70s.

What point are you even trying to make?

[Blueangel]

	Quote:
	Great comment re Labour and JC by JOB here: https://www.facebook.com/LBC/videos/385287122218637/

That's exactly how I feel about him, but I'd go further and say that I never forgave him for the coup attempt against Kinnock which made the Labour Party unelectable because it appeared to be so fractious. This is the second generation that have been screwed over by that contemptuous little man.

[fatmanfilms]

	Quote:
	That’s not even remotely relevant to a UK financing application in the 70s. What point are you even trying to make?

It's exactly the same, making 2 people 100% responsible for a debt, clever if people are stupid enough to do it.

There was never a legal requirement, it was possible to ask in the past, it still is possible to ask. I know someone who used to be on EF, when she was married her husband wanted an XR3 in the 1980's, she refused to co sign & he did not get the car. Asking for a guarantor is common when people have lower credit scores.

[curley]

	Quote:	fatmanfilms
	It's exactly the same, making 2 people 100% responsible for a debt, clever if people are stupid enough to do it. There was never a legal requirement, it was possible to ask in the past, it still is possible to ask. I know someone who used to be on EF, when she was married her husband wanted an XR3 in the 1980's, she refused to co sign & he did not get the car. Asking for a guarantor is common when people have lower credit scores.

In this specific example you're mixing things up.

A married couple that does not have any special (financial) contract, lives in joint property. (In Switzerland anyway).

None of them can make depts without the other's signature. That's marital law though.

	Quote:	fatmanfilms
	It's exactly the same, making 2 people 100% responsible for a debt, clever if people are stupid enough to do it. There was never a legal requirement, it was possible to ask in the past, it still is possible to ask. I know someone who used to be on EF, when she was married her husband wanted an XR3 in the 1980's, she refused to co sign & he did not get the car. Asking for a guarantor is common when people have lower credit scores.

Don’t know why you keep harping on about it not being a legal thing. Nobody said it was.

So now it’s slid back to anecdotes from the 80s and irrelevant comparisons I guess this particular aspect of the thread has ground to a halt.

So, back to the dog’s dinner that is Brexit.

Chris Grayling has inadvertantly labelled 17-odd million Leave voters as potential right-wing extremists, which should be entertaining when they figure it out...

[Troublawesome]

Aren't most of them exactly that?